, carol, the economy grows. that ends up translating to investors as being more confident. confident enough to buy into the market. since most 401(k)s closely track the s&p 500, this 10% to 15% rise cohen is expecting would be great for your retirement savings. if you start the year with, say, $30,000 and the index gains 15%, you're looking at almost $5,000 in gains. so it probably won't surprise you that the fiscal cliff, though, is a concern. but, you know what, cohen says even if the market is shaky at the start of 2013, the gains the second half of the year will make up for it. carol? >> that's a pretty rosie outlook. there must be a counter argument. all the other -- i hear such dire things. >> of course. you know, there are other big financials that release their outlooks, too, carol. most are generally positive, though. there are some pessimists out there. wells fargo strategists expects stocks to decline next year and points to slowing growth and uncertainty about the economy. expects just a modest gain next year and that strategist says because of conversations about key str
